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1. _ Depository institutions offer traditional checking and savings accounts. 2.___ Fixed rate mortgages are always a better deal than adjustable rate mortgages. 3._ Interest rates change in response to monetary policy. 4.__ Treasury securities are debt instruments issued by the US Treasury. 5._ Insurance companies offer home owner insurance that can protect you against financial loss. 6.__ To avoid identity theft shop online only when there is evidence of a secured website. 7._ Credit bureaus numerically rate your credit score and report this information to your family members. 8. Secured and prepaid credit cards help those with poor credit histories and have difficulty obtaining a standard credit card. 9.__ It always makes more sense to rent a home than to own one. 10. ___ Applying for a personal loan involves negotiating the loan contract and the interest rate. You should never avoid credit repair services. (11 is extra credit worth 4 points) 11